Credit Risk EDA Report

Dataset statistics

Number of variables	15
Number of observations	1500
Missing cells	220
Missing cells (%)	1.0%
Duplicate rows	0
Duplicate rows (%)	0.0%
Total size in memory	175.9 KiB
Average record size in memory	120.1 B

Variable types

Numeric	13
Categorical	2

Alerts

`avg_monthly_spend` is highly overall correlated with `debt_to_income`	High correlation
`debt_to_income` is highly overall correlated with `avg_monthly_spend` and 1 other fields	High correlation
`late_payment_count` is highly overall correlated with `payment_delay_ratio`	High correlation
`monthly_income` is highly overall correlated with `debt_to_income`	High correlation
`payment_delay_ratio` is highly overall correlated with `late_payment_count`	High correlation
`repayment_issue` is highly imbalanced (50.8%)	Imbalance
`monthly_income` has 111 (7.4%) missing values	Missing
`employment_type` has 109 (7.3%) missing values	Missing
`avg_monthly_spend` has unique values	Unique
`credit_limit` has unique values	Unique
`region_risk_score` has unique values	Unique
`marketing_score` has unique values	Unique
`cash_withdraw_ratio` has 80 (5.3%) zeros	Zeros
`late_payment_count` has 438 (29.2%) zeros	Zeros
`payment_delay_ratio` has 438 (29.2%) zeros	Zeros

Reproduction

Analysis started	2025-12-30 09:02:24.095910
Analysis finished	2025-12-30 09:02:39.719911
Duration	15.62 seconds
Software version	ydata-profiling vv4.18.0
Download configuration	config.json

monthly_income
Real number (ℝ)

High correlation Missing

Distinct	1389
Distinct (%)	100.0%
Missing	111
Missing (%)	7.4%
Infinite	0
Infinite (%)	0.0%
Mean	24312.409

Minimum	6023.9174
Maximum	102856.76
Zeros	0
Zeros (%)	0.0%
Negative	0
Negative (%)	0.0%
Memory size	11.8 KiB

Quantile statistics

Minimum	6023.9174
5-th percentile	11940.711
Q1	17140.737
median	22431.662
Q3	28832.905
95-th percentile	44377.032
Maximum	102856.76
Range	96832.84
Interquartile range (IQR)	11692.168

Descriptive statistics

Standard deviation	10266.223
Coefficient of variation (CV)	0.42226266
Kurtosis	3.8432056
Mean	24312.409
Median Absolute Deviation (MAD)	5737.1363
Skewness	1.4241627
Sum	33769937
Variance	1.0539533 × 10⁸
Monotonicity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
26867.8494	1	0.1%
17004.36388	1	0.1%
31883.80479	1	0.1%
27695.71848	1	0.1%
17527.53591	1	0.1%
28462.34158	1	0.1%
45210.04659	1	0.1%
19683.9701	1	0.1%
14755.21703	1	0.1%
16767.64307	1	0.1%
Other values (1379)	1379	91.9%
(Missing)	111	7.4%

Value	Count	Frequency (%)
6023.917439	1	0.1%
6915.343024	1	0.1%
7489.410308	1	0.1%
7628.23731	1	0.1%
7724.110568	1	0.1%
7813.303081	1	0.1%
7930.184227	1	0.1%
8105.010373	1	0.1%
8195.513914	1	0.1%
8353.603397	1	0.1%

Value	Count	Frequency (%)
102856.7576	1	0.1%
75474.66556	1	0.1%
65386.27589	1	0.1%
63130.09183	1	0.1%
62359.62101	1	0.1%
61813.91223	1	0.1%
61657.1156	1	0.1%
61330.57753	1	0.1%
61284.34551	1	0.1%
60522.65098	1	0.1%

avg_monthly_spend
Real number (ℝ)

High correlation Unique

Distinct	1500
Distinct (%)	100.0%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%
Mean	14841.587

Minimum	3433.1021
Maximum	78182.957
Zeros	0
Zeros (%)	0.0%
Negative	0
Negative (%)	0.0%
Memory size	11.8 KiB

Quantile statistics

Minimum	3433.1021
5-th percentile	6517.8947
Q1	10037.315
median	13347.461
Q3	18066.469
95-th percentile	27664.739
Maximum	78182.957
Range	74749.855
Interquartile range (IQR)	8029.1543

Descriptive statistics

Standard deviation	7043.8681
Coefficient of variation (CV)	0.47460342
Kurtosis	7.8114719
Mean	14841.587
Median Absolute Deviation (MAD)	3857.1916
Skewness	1.8729649
Sum	22262381
Variance	49616078
Monotonicity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
18963.33173	1	0.1%
11779.40474	1	0.1%
50367.05106	1	0.1%
9214.791664	1	0.1%
8198.30138	1	0.1%
10142.53727	1	0.1%
11509.30627	1	0.1%
20654.38857	1	0.1%
17270.85795	1	0.1%
15568.78275	1	0.1%
Other values (1490)	1490	99.3%

Value	Count	Frequency (%)
3433.102087	1	0.1%
3477.221426	1	0.1%
3557.541923	1	0.1%
3588.150912	1	0.1%
3668.294078	1	0.1%
3880.125668	1	0.1%
3958.203217	1	0.1%
4080.249908	1	0.1%
4138.562418	1	0.1%
4217.29773	1	0.1%

Value	Count	Frequency (%)
78182.95749	1	0.1%
56212.72341	1	0.1%
54829.67495	1	0.1%
54147.29786	1	0.1%
51193.43352	1	0.1%
50367.05106	1	0.1%
46251.40022	1	0.1%
44885.27858	1	0.1%
43912.5092	1	0.1%
43449.59854	1	0.1%

credit_limit
Real number (ℝ)

Unique

Distinct	1500
Distinct (%)	100.0%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%
Mean	28205.613

Minimum	9389.325
Maximum	83707.39
Zeros	0
Zeros (%)	0.0%
Negative	0
Negative (%)	0.0%
Memory size	11.8 KiB

Quantile statistics

Minimum	9389.325
5-th percentile	14362.831
Q1	20795.99
median	26705.462
Q3	33334.066
95-th percentile	47632.179
Maximum	83707.39
Range	74318.065
Interquartile range (IQR)	12538.076

Descriptive statistics

Standard deviation	10185.057
Coefficient of variation (CV)	0.36110036
Kurtosis	1.5938151
Mean	28205.613
Median Absolute Deviation (MAD)	6240.9601
Skewness	0.98057075
Sum	42308419
Variance	1.0373538 × 10⁸
Monotonicity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
13797.84024	1	0.1%
24050.1321	1	0.1%
10440.65845	1	0.1%
33103.64069	1	0.1%
16673.89452	1	0.1%
31742.7814	1	0.1%
27073.37104	1	0.1%
26610.96902	1	0.1%
19886.11917	1	0.1%
30522.72484	1	0.1%
Other values (1490)	1490	99.3%

Value	Count	Frequency (%)
9389.324967	1	0.1%
9649.804726	1	0.1%
9725.962383	1	0.1%
9905.848983	1	0.1%
9959.901582	1	0.1%
9984.064398	1	0.1%
10440.65845	1	0.1%
10713.33442	1	0.1%
10817.30039	1	0.1%
11089.05506	1	0.1%

Value	Count	Frequency (%)
83707.3896	1	0.1%
81082.29107	1	0.1%
73419.22266	1	0.1%
72050.96938	1	0.1%
64798.95742	1	0.1%
64203.7225	1	0.1%
61216.77458	1	0.1%
60597.82333	1	0.1%
60341.21737	1	0.1%
60250.94665	1	0.1%

num_transactions
Real number (ℝ)

Distinct	35
Distinct (%)	2.3%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%
Mean	34.986667

Minimum	18
Maximum	52
Zeros	0
Zeros (%)	0.0%
Negative	0
Negative (%)	0.0%
Memory size	11.8 KiB

Quantile statistics

Minimum	18
5-th percentile	26
Q1	31
median	35
Q3	39
95-th percentile	46
Maximum	52
Range	34
Interquartile range (IQR)	8

Descriptive statistics

Standard deviation	5.8076652
Coefficient of variation (CV)	0.16599653
Kurtosis	-0.11366584
Mean	34.986667
Median Absolute Deviation (MAD)	4
Skewness	0.196153
Sum	52480
Variance	33.728975
Monotonicity	Not monotonic

Histogram with fixed size bins (bins=35)

Value	Count	Frequency (%)
35	116	7.7%
33	106	7.1%
36	103	6.9%
34	99	6.6%
38	93	6.2%
31	89	5.9%
37	88	5.9%
32	88	5.9%
30	80	5.3%
29	67	4.5%
Other values (25)	571	38.1%

Value	Count	Frequency (%)
18	1	0.1%
19	1	0.1%
20	6	0.4%
21	1	0.1%
22	9	0.6%
23	8	0.5%
24	17	1.1%
25	20	1.3%
26	29	1.9%
27	46	3.1%

Value	Count	Frequency (%)
52	2	0.1%
51	4	0.3%
50	5	0.3%
49	4	0.3%
48	19	1.3%
47	16	1.1%
46	26	1.7%
45	23	1.5%
44	25	1.7%
43	38	2.5%

account_tenure_months
Real number (ℝ)

Distinct	117
Distinct (%)	7.8%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%
Mean	60.935333

Minimum	3
Maximum	119
Zeros	0
Zeros (%)	0.0%
Negative	0
Negative (%)	0.0%
Memory size	11.8 KiB

Quantile statistics

Minimum	3
5-th percentile	8
Q1	33
median	61
Q3	88
95-th percentile	113.05
Maximum	119
Range	116
Interquartile range (IQR)	55

Descriptive statistics

Standard deviation	33.313486
Coefficient of variation (CV)	0.54670228
Kurtosis	-1.1577419
Mean	60.935333
Median Absolute Deviation (MAD)	28
Skewness	-0.005390274
Sum	91403
Variance	1109.7883
Monotonicity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
83	26	1.7%
50	25	1.7%
59	21	1.4%
15	20	1.3%
92	19	1.3%
88	19	1.3%
93	18	1.2%
26	18	1.2%
49	18	1.2%
68	17	1.1%
Other values (107)	1299	86.6%

Value	Count	Frequency (%)
3	10	0.7%
4	13	0.9%
5	14	0.9%
6	14	0.9%
7	14	0.9%
8	15	1.0%
9	10	0.7%
10	12	0.8%
11	14	0.9%
12	11	0.7%

Value	Count	Frequency (%)
119	16	1.1%
118	10	0.7%
117	8	0.5%
116	14	0.9%
115	14	0.9%
114	13	0.9%
113	10	0.7%
112	16	1.1%
111	16	1.1%
110	8	0.5%

cash_withdraw_ratio
Real number (ℝ)

Zeros

Distinct	1421
Distinct (%)	94.7%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%
Mean	0.24784721

Minimum	0
Maximum	0.71133783
Zeros	80
Zeros (%)	5.3%
Negative	0
Negative (%)	0.0%
Memory size	11.8 KiB

Quantile statistics

Minimum	0
5-th percentile	0
Q1	0.14466459
median	0.24554354
Q3	0.34504999
95-th percentile	0.48998373
Maximum	0.71133783
Range	0.71133783
Interquartile range (IQR)	0.2003854

Descriptive statistics

Standard deviation	0.14325287
Coefficient of variation (CV)	0.57798864
Kurtosis	-0.44621981
Mean	0.24784721
Median Absolute Deviation (MAD)	0.10023439
Skewness	0.18599451
Sum	371.77081
Variance	0.020521384
Monotonicity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
0	80	5.3%
0.2365759889	1	0.1%
0.2975131176	1	0.1%
0.197015826	1	0.1%
0.2340718208	1	0.1%
0.1878543413	1	0.1%
0.2970300816	1	0.1%
0.3177024677	1	0.1%
0.2360145237	1	0.1%
0.338356531	1	0.1%
Other values (1411)	1411	94.1%

Value	Count	Frequency (%)
0	80	5.3%
3.712153783 × 10^-5	1	0.1%
0.0008081876902	1	0.1%
0.003142557299	1	0.1%
0.003288873625	1	0.1%
0.003646312691	1	0.1%
0.003867240742	1	0.1%
0.0038860703	1	0.1%
0.004959748872	1	0.1%
0.005450253317	1	0.1%

Value	Count	Frequency (%)
0.7113378297	1	0.1%
0.707756698	1	0.1%
0.6829371206	1	0.1%
0.6685437432	1	0.1%
0.6608491192	1	0.1%
0.6455797299	1	0.1%
0.6303063622	1	0.1%
0.629687085	1	0.1%
0.6206870567	1	0.1%
0.6082670225	1	0.1%

late_payment_count
Real number (ℝ)

High correlation Zeros

Distinct	8
Distinct (%)	0.5%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%
Mean	1.2006667

Minimum	0
Maximum	7
Zeros	438
Zeros (%)	29.2%
Negative	0
Negative (%)	0.0%
Memory size	11.8 KiB

Quantile statistics

Minimum	0
5-th percentile	0
Q1	0
median	1
Q3	2
95-th percentile	3
Maximum	7
Range	7
Interquartile range (IQR)	2

Descriptive statistics

Standard deviation	1.0972096
Coefficient of variation (CV)	0.91383361
Kurtosis	1.7864473
Mean	1.2006667
Median Absolute Deviation (MAD)	1
Skewness	1.0865422
Sum	1801
Variance	1.2038688
Monotonicity	Not monotonic

Histogram with fixed size bins (bins=8)

Value	Count	Frequency (%)
1	562	37.5%
0	438	29.2%
2	333	22.2%
3	120	8.0%
4	29	1.9%
5	12	0.8%
6	5	0.3%
7	1	0.1%

Value	Count	Frequency (%)
0	438	29.2%
1	562	37.5%
2	333	22.2%
3	120	8.0%
4	29	1.9%
5	12	0.8%
6	5	0.3%
7	1	0.1%

Value	Count	Frequency (%)
7	1	0.1%
6	5	0.3%
5	12	0.8%
4	29	1.9%
3	120	8.0%
2	333	22.2%
1	562	37.5%
0	438	29.2%

age
Real number (ℝ)

Distinct	50
Distinct (%)	3.3%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%
Mean	44.360667

Minimum	20
Maximum	69
Zeros	0
Zeros (%)	0.0%
Negative	0
Negative (%)	0.0%
Memory size	11.8 KiB

Quantile statistics

Minimum	20
5-th percentile	22
Q1	31
median	44
Q3	57
95-th percentile	67
Maximum	69
Range	49
Interquartile range (IQR)	26

Descriptive statistics

Standard deviation	14.674495
Coefficient of variation (CV)	0.3307997
Kurtosis	-1.2345379
Mean	44.360667
Median Absolute Deviation (MAD)	13
Skewness	0.013778836
Sum	66541
Variance	215.34081
Monotonicity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
29	45	3.0%
25	41	2.7%
22	38	2.5%
67	38	2.5%
55	37	2.5%
44	36	2.4%
36	36	2.4%
66	35	2.3%
27	35	2.3%
28	35	2.3%
Other values (40)	1124	74.9%

Value	Count	Frequency (%)
20	32	2.1%
21	32	2.1%
22	38	2.5%
23	27	1.8%
24	23	1.5%
25	41	2.7%
26	23	1.5%
27	35	2.3%
28	35	2.3%
29	45	3.0%

Value	Count	Frequency (%)
69	30	2.0%
68	29	1.9%
67	38	2.5%
66	35	2.3%
65	32	2.1%
64	30	2.0%
63	29	1.9%
62	17	1.1%
61	35	2.3%
60	35	2.3%

region_risk_score
Real number (ℝ)

Unique

Distinct	1500
Distinct (%)	100.0%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%
Mean	0.28121407

Minimum	0.0035843361
Maximum	0.83337276
Zeros	0
Zeros (%)	0.0%
Negative	0
Negative (%)	0.0%
Memory size	11.8 KiB

Quantile statistics

Minimum	0.0035843361
5-th percentile	0.065057556
Q1	0.15864474
median	0.26183109
Q3	0.37598316
95-th percentile	0.57940552
Maximum	0.83337276
Range	0.82978842
Interquartile range (IQR)	0.21733842

Descriptive statistics

Standard deviation	0.15536935
Coefficient of variation (CV)	0.55249492
Kurtosis	-0.042978716
Mean	0.28121407
Median Absolute Deviation (MAD)	0.10887275
Skewness	0.61301408
Sum	421.82111
Variance	0.024139634
Monotonicity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
0.1067958916	1	0.1%
0.1815024311	1	0.1%
0.4489984052	1	0.1%
0.2083040706	1	0.1%
0.1645988073	1	0.1%
0.6080560599	1	0.1%
0.203310276	1	0.1%
0.3602224708	1	0.1%
0.1869022847	1	0.1%
0.3535198066	1	0.1%
Other values (1490)	1490	99.3%

Value	Count	Frequency (%)
0.003584336131	1	0.1%
0.01139151791	1	0.1%
0.01488679018	1	0.1%
0.01855919499	1	0.1%
0.02163618623	1	0.1%
0.02168629392	1	0.1%
0.02303628193	1	0.1%
0.02324441304	1	0.1%
0.02616933779	1	0.1%
0.02623306147	1	0.1%

Value	Count	Frequency (%)
0.8333727588	1	0.1%
0.8022745394	1	0.1%
0.7877597798	1	0.1%
0.7822438181	1	0.1%
0.7639676025	1	0.1%
0.7478584402	1	0.1%
0.7367217342	1	0.1%
0.7269730308	1	0.1%
0.7174534729	1	0.1%
0.7152439282	1	0.1%

marketing_score
Real number (ℝ)

Unique

Distinct	1500
Distinct (%)	100.0%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%
Mean	50.105322

Minimum	-7.8456299
Maximum	109.13497
Zeros	0
Zeros (%)	0.0%
Negative	1
Negative (%)	0.1%
Memory size	11.8 KiB

Quantile statistics

Minimum	-7.8456299
5-th percentile	26.140249
Q1	39.994974
median	49.888985
Q3	60.087796
95-th percentile	75.661661
Maximum	109.13497
Range	116.9806
Interquartile range (IQR)	20.092822

Descriptive statistics

Standard deviation	14.907166
Coefficient of variation (CV)	0.29751661
Kurtosis	0.16625385
Mean	50.105322
Median Absolute Deviation (MAD)	10.037038
Skewness	0.12444713
Sum	75157.983
Variance	222.22358
Monotonicity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
59.59142063	1	0.1%
15.66159104	1	0.1%
47.25024737	1	0.1%
54.48793433	1	0.1%
39.11168624	1	0.1%
63.02263219	1	0.1%
58.26018984	1	0.1%
52.64319058	1	0.1%
58.12374398	1	0.1%
60.69207207	1	0.1%
Other values (1490)	1490	99.3%

Value	Count	Frequency (%)
-7.845629939	1	0.1%
5.35951289	1	0.1%
6.32675121	1	0.1%
8.877658558	1	0.1%
12.11058077	1	0.1%
12.11252471	1	0.1%
12.64577437	1	0.1%
12.71307632	1	0.1%
13.56331494	1	0.1%
13.63602694	1	0.1%

Value	Count	Frequency (%)
109.1349652	1	0.1%
94.95797438	1	0.1%
94.07282101	1	0.1%
93.95480428	1	0.1%
92.70514383	1	0.1%
92.59434372	1	0.1%
91.78867871	1	0.1%
91.74852713	1	0.1%
90.60031911	1	0.1%
90.08235114	1	0.1%

app_login_count
Real number (ℝ)

Distinct	30
Distinct (%)	2.0%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%
Mean	19.79

Minimum	5
Maximum	37
Zeros	0
Zeros (%)	0.0%
Negative	0
Negative (%)	0.0%
Memory size	11.8 KiB

Quantile statistics

Minimum	5
5-th percentile	13
Q1	17
median	20
Q3	23
95-th percentile	27
Maximum	37
Range	32
Interquartile range (IQR)	6

Descriptive statistics

Standard deviation	4.3924286
Coefficient of variation (CV)	0.22195192
Kurtosis	0.27117781
Mean	19.79
Median Absolute Deviation (MAD)	3
Skewness	0.25541669
Sum	29685
Variance	19.293429
Monotonicity	Not monotonic

Histogram with fixed size bins (bins=30)

Value	Count	Frequency (%)
19	140	9.3%
20	138	9.2%
21	135	9.0%
18	132	8.8%
17	123	8.2%
22	115	7.7%
16	108	7.2%
23	88	5.9%
24	80	5.3%
25	74	4.9%
Other values (20)	367	24.5%

Value	Count	Frequency (%)
5	1	0.1%
8	3	0.2%
9	5	0.3%
10	8	0.5%
11	17	1.1%
12	28	1.9%
13	46	3.1%
14	54	3.6%
15	68	4.5%
16	108	7.2%

Value	Count	Frequency (%)
37	1	0.1%
35	1	0.1%
34	5	0.3%
33	1	0.1%
32	3	0.2%
31	7	0.5%
30	13	0.9%
29	16	1.1%
28	23	1.5%
27	32	2.1%

employment_type
Categorical

Missing

Distinct	3
Distinct (%)	0.2%
Missing	109
Missing (%)	7.3%
Memory size	11.8 KiB

salaried	777
self_employed	429
other	185

Length

Max length	13
Median length	8
Mean length	9.1430625
Min length	5

Characters and Unicode

Total characters	12718
Distinct characters	15
Distinct categories	1 ?
Distinct scripts	1 ?
Distinct blocks	1 ?

The Unicode Standard assigns character properties to each code point, which can be used to analyse textual variables.

Unique

Unique	0 ?
Unique (%)	0.0%

Sample

1st row	self_employed
2nd row	other
3rd row	other
4th row	self_employed
5th row	salaried

Common Values

Value	Count	Frequency (%)
salaried	777	51.8%
self_employed	429	28.6%
other	185	12.3%
(Missing)	109	7.3%

Length

Histogram of lengths of the category

Common Values (Plot)

Value	Count	Frequency (%)
salaried	777	55.9%
self_employed	429	30.8%
other	185	13.3%

Most occurring characters

Value	Count	Frequency (%)
e	2249	17.7%
l	1635	12.9%
a	1554	12.2%
s	1206	9.5%
d	1206	9.5%
r	962	7.6%
i	777	6.1%
o	614	4.8%
f	429	3.4%
_	429	3.4%
Other values (5)	1657	13.0%

Most occurring categories

Value	Count	Frequency (%)
(unknown)	12718	100.0%

Most frequent character per category

(unknown)

Value	Count	Frequency (%)
e	2249	17.7%
l	1635	12.9%
a	1554	12.2%
s	1206	9.5%
d	1206	9.5%
r	962	7.6%
i	777	6.1%
o	614	4.8%
f	429	3.4%
_	429	3.4%
Other values (5)	1657	13.0%

Most occurring scripts

Value	Count	Frequency (%)
(unknown)	12718	100.0%

Most frequent character per script

(unknown)

Value	Count	Frequency (%)
e	2249	17.7%
l	1635	12.9%
a	1554	12.2%
s	1206	9.5%
d	1206	9.5%
r	962	7.6%
i	777	6.1%
o	614	4.8%
f	429	3.4%
_	429	3.4%
Other values (5)	1657	13.0%

Most occurring blocks

Value	Count	Frequency (%)
(unknown)	12718	100.0%

Most frequent character per block

(unknown)

Value	Count	Frequency (%)
e	2249	17.7%
l	1635	12.9%
a	1554	12.2%
s	1206	9.5%
d	1206	9.5%
r	962	7.6%
i	777	6.1%
o	614	4.8%
f	429	3.4%
_	429	3.4%
Other values (5)	1657	13.0%

debt_to_income
Real number (ℝ)

High correlation

Distinct	1468
Distinct (%)	97.9%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%
Mean	0.69892475

Minimum	0.083774151
Maximum	2
Zeros	0
Zeros (%)	0.0%
Negative	0
Negative (%)	0.0%
Memory size	11.8 KiB

Quantile statistics

Minimum	0.083774151
5-th percentile	0.23361939
Q1	0.41056505
median	0.60434265
Q3	0.88109814
95-th percentile	1.5450082
Maximum	2
Range	1.9162258
Interquartile range (IQR)	0.47053309

Descriptive statistics

Standard deviation	0.40634102
Coefficient of variation (CV)	0.58138022
Kurtosis	1.5134801
Mean	0.69892475
Median Absolute Deviation (MAD)	0.22788628
Skewness	1.2737035
Sum	1048.3871
Variance	0.16511303
Monotonicity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
2	33	2.2%
0.7058001347	1	0.1%
1.087780029	1	0.1%
1.5984193	1	0.1%
0.357425299	1	0.1%
0.281504439	1	0.1%
0.596466727	1	0.1%
0.5102058943	1	0.1%
0.6478018762	1	0.1%
0.4479980829	1	0.1%
Other values (1458)	1458	97.2%

Value	Count	Frequency (%)
0.08377415069	1	0.1%
0.0870251108	1	0.1%
0.1091552515	1	0.1%
0.110574507	1	0.1%
0.1184258373	1	0.1%
0.1228958457	1	0.1%
0.1235495517	1	0.1%
0.1248606711	1	0.1%
0.125011784	1	0.1%
0.1304573418	1	0.1%

Value	Count	Frequency (%)
2	33	2.2%
1.988009353	1	0.1%
1.973925015	1	0.1%
1.969887178	1	0.1%
1.954152942	1	0.1%
1.944022165	1	0.1%
1.936870137	1	0.1%
1.922683435	1	0.1%
1.913247892	1	0.1%
1.895202502	1	0.1%

payment_delay_ratio
Real number (ℝ)

High correlation Zeros

Distinct	108
Distinct (%)	7.2%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%
Mean	0.034366023

Minimum	0
Maximum	0.26086957
Zeros	438
Zeros (%)	29.2%
Negative	0
Negative (%)	0.0%
Memory size	11.8 KiB

Quantile statistics

Minimum	0
5-th percentile	0
Q1	0
median	0.028571429
Q3	0.054054054
95-th percentile	0.095238095
Maximum	0.26086957
Range	0.26086957
Interquartile range (IQR)	0.054054054

Descriptive statistics

Standard deviation	0.032899888
Coefficient of variation (CV)	0.95733765
Kurtosis	3.5676985
Mean	0.034366023
Median Absolute Deviation (MAD)	0.028571429
Skewness	1.3932259
Sum	51.549034
Variance	0.0010824026
Monotonicity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
0	438	29.2%
0.02941176471	45	3.0%
0.02777777778	41	2.7%
0.02702702703	41	2.7%
0.03125	35	2.3%
0.02564102564	34	2.3%
0.03225806452	31	2.1%
0.03333333333	30	2.0%
0.02631578947	29	1.9%
0.025	28	1.9%
Other values (98)	748	49.9%

Value	Count	Frequency (%)
0	438	29.2%
0.01886792453	1	0.1%
0.01923076923	1	0.1%
0.01960784314	3	0.2%
0.02	1	0.1%
0.02040816327	6	0.4%
0.02083333333	7	0.5%
0.02127659574	9	0.6%
0.02173913043	15	1.0%
0.02222222222	14	0.9%

Value	Count	Frequency (%)
0.2608695652	1	0.1%
0.2105263158	1	0.1%
0.2068965517	1	0.1%
0.1923076923	1	0.1%
0.1842105263	1	0.1%
0.1724137931	1	0.1%
0.1666666667	1	0.1%
0.1612903226	2	0.1%
0.1578947368	1	0.1%
0.1463414634	1	0.1%

repayment_issue
Categorical

Imbalance

Distinct	2
Distinct (%)	0.1%
Missing	0
Missing (%)	0.0%
Memory size	11.8 KiB

1	1339
0	161

Length

Max length	1
Median length	1
Mean length	1
Min length	1

Characters and Unicode

Total characters	1500
Distinct characters	2
Distinct categories	1 ?
Distinct scripts	1 ?
Distinct blocks	1 ?

The Unicode Standard assigns character properties to each code point, which can be used to analyse textual variables.

Unique

Unique	0 ?
Unique (%)	0.0%

Sample

1st row	1
2nd row	1
3rd row	1
4th row	1
5th row	1

Common Values

Value	Count	Frequency (%)
1	1339	89.3%
0	161	10.7%

Length

Histogram of lengths of the category

Common Values (Plot)

Value	Count	Frequency (%)
1	1339	89.3%
0	161	10.7%

Most occurring characters

Value	Count	Frequency (%)
1	1339	89.3%
0	161	10.7%

Most occurring categories

Value	Count	Frequency (%)
(unknown)	1500	100.0%

Most frequent character per category

(unknown)

Value	Count	Frequency (%)
1	1339	89.3%
0	161	10.7%

Most occurring scripts

Value	Count	Frequency (%)
(unknown)	1500	100.0%

Most frequent character per script

(unknown)

Value	Count	Frequency (%)
1	1339	89.3%
0	161	10.7%

Most occurring blocks

Value	Count	Frequency (%)
(unknown)	1500	100.0%

Most frequent character per block

(unknown)

Value	Count	Frequency (%)
1	1339	89.3%
0	161	10.7%

	account_tenure_months	age	app_login_count	avg_monthly_spend	cash_withdraw_ratio	credit_limit	debt_to_income	employment_type	late_payment_count	marketing_score	monthly_income	num_transactions	payment_delay_ratio	region_risk_score	repayment_issue
account_tenure_months	1.000	0.005	-0.001	0.007	0.002	0.016	0.001	0.000	-0.039	0.008	0.005	-0.018	-0.038	-0.013	0.050
age	0.005	1.000	0.022	-0.001	-0.020	-0.005	0.022	0.000	-0.001	0.034	-0.029	-0.038	0.008	-0.012	0.054
app_login_count	-0.001	0.022	1.000	0.040	-0.023	-0.023	0.055	0.077	0.009	0.011	-0.040	0.007	0.014	0.010	0.087
avg_monthly_spend	0.007	-0.001	0.040	1.000	0.015	-0.009	0.715	0.037	0.003	0.008	0.033	-0.019	0.015	-0.040	0.221
cash_withdraw_ratio	0.002	-0.020	-0.023	0.015	1.000	-0.029	0.006	0.000	0.028	-0.018	0.001	0.012	0.024	0.036	0.000
credit_limit	0.016	-0.005	-0.023	-0.009	-0.029	1.000	0.018	0.000	-0.036	0.029	-0.028	0.004	-0.042	-0.031	0.000
debt_to_income	0.001	0.022	0.055	0.715	0.006	0.018	1.000	0.000	0.035	0.037	-0.638	-0.021	0.043	-0.033	0.393
employment_type	0.000	0.000	0.077	0.037	0.000	0.000	0.000	1.000	0.066	0.000	0.000	0.049	0.065	0.000	0.000
late_payment_count	-0.039	-0.001	0.009	0.003	0.028	-0.036	0.035	0.066	1.000	-0.033	-0.045	-0.006	0.965	-0.002	0.099
marketing_score	0.008	0.034	0.011	0.008	-0.018	0.029	0.037	0.000	-0.033	1.000	-0.041	0.012	-0.032	0.011	0.089
monthly_income	0.005	-0.029	-0.040	0.033	0.001	-0.028	-0.638	0.000	-0.045	-0.041	1.000	0.003	-0.039	0.019	0.223
num_transactions	-0.018	-0.038	0.007	-0.019	0.012	0.004	-0.021	0.049	-0.006	0.012	0.003	1.000	-0.216	-0.030	0.000
payment_delay_ratio	-0.038	0.008	0.014	0.015	0.024	-0.042	0.043	0.065	0.965	-0.032	-0.039	-0.216	1.000	0.001	0.081
region_risk_score	-0.013	-0.012	0.010	-0.040	0.036	-0.031	-0.033	0.000	-0.002	0.011	0.019	-0.030	0.001	1.000	0.000
repayment_issue	0.050	0.054	0.087	0.221	0.000	0.000	0.393	0.000	0.099	0.089	0.223	0.000	0.081	0.000	1.000

A simple visualization of nullity by column.

Nullity matrix is a data-dense display which lets you quickly visually pick out patterns in data completion.

The correlation heatmap measures nullity correlation: how strongly the presence or absence of one variable affects the presence of another.

	monthly_income	avg_monthly_spend	credit_limit	num_transactions	account_tenure_months	cash_withdraw_ratio	late_payment_count	age	region_risk_score	marketing_score	app_login_count	employment_type	debt_to_income	payment_delay_ratio	repayment_issue
0	26867.849400	18963.331725	13797.840243	31	114	0.236576	2	60	0.106796	59.591421	24	self_employed	0.705800	0.062500	1
1	20841.350135	10425.045672	19907.767202	36	64	0.028460	0	20	0.086290	63.392608	16	other	0.500210	0.000000	1
2	28540.385984	9244.744459	23277.396544	45	50	0.330158	0	24	0.438799	62.237803	31	other	0.323918	0.000000	1
3	40506.265408	13339.455402	52088.041939	44	12	0.000000	3	60	0.290462	53.793908	20	self_employed	0.329318	0.066667	1
4	20057.103316	12374.793741	32688.989694	34	107	0.414542	2	39	0.238047	56.238840	12	salaried	0.616978	0.057143	1
5	20057.235034	10894.870682	16858.014334	38	38	0.466229	1	24	0.058690	33.638694	10	salaried	0.543189	0.025641	1
6	41426.875928	18276.554661	31892.071045	29	31	0.602888	0	55	0.098694	38.734598	18	self_employed	0.441176	0.000000	1
7	29940.695625	20535.027054	15653.402804	26	80	0.013851	0	48	0.198667	63.431903	20	salaried	0.685857	0.000000	1
8	18255.291198	13901.931952	39298.509419	26	6	0.044365	2	67	0.401754	62.558142	20	salaried	0.761529	0.074074	1
9	27365.107103	25974.966765	22813.468674	41	46	0.353901	3	53	0.154885	60.856991	30	salaried	0.949200	0.071429	1

	monthly_income	avg_monthly_spend	credit_limit	num_transactions	account_tenure_months	cash_withdraw_ratio	late_payment_count	age	region_risk_score	marketing_score	app_login_count	employment_type	debt_to_income	payment_delay_ratio	repayment_issue
1490	17663.519414	26433.233043	30896.473955	34	102	0.205836	1	41	0.108104	39.420075	20	salaried	1.496487	0.028571	1
1491	61284.345510	17517.457677	19242.003787	38	83	0.241899	1	41	0.279823	79.532883	31	NaN	0.285839	0.025641	1
1492	17576.199427	13799.899487	21888.873318	41	84	0.325687	0	34	0.150135	40.274654	20	NaN	0.785147	0.000000	1
1493	23713.991730	12142.973437	22913.384101	31	118	0.373072	1	36	0.231589	24.983248	19	self_employed	0.512059	0.031250	0
1494	40816.593495	8704.859335	36309.905728	28	25	0.187921	2	64	0.417887	62.902762	22	salaried	0.213268	0.068966	1
1495	49140.418143	13833.745791	48391.622106	31	100	0.237539	1	47	0.411764	48.277744	20	salaried	0.281515	0.031250	1
1496	50241.739817	15002.747696	20296.218906	38	74	0.136192	2	41	0.329772	45.454373	19	self_employed	0.298611	0.051282	1
1497	35715.730188	7640.419133	39218.225370	39	15	0.263086	1	40	0.135268	41.816693	17	other	0.213923	0.025000	0
1498	33177.426877	15527.677998	12589.430652	31	25	0.395276	2	61	0.337085	78.075719	14	self_employed	0.468019	0.062500	1
1499	27917.549368	12458.188892	17712.638612	33	59	0.265171	1	36	0.153340	55.318854	20	self_employed	0.446249	0.029412	1

Overview

Common Values

Length

Common Values (Plot)

Most occurring characters

Most occurring categories

Most frequent character per category

(unknown)

Most occurring scripts

Most frequent character per script

(unknown)

Most occurring blocks

Most frequent character per block

(unknown)

Common Values

Length

Common Values (Plot)

Most occurring characters

Most occurring categories

Most frequent character per category

(unknown)

Most occurring scripts

Most frequent character per script

(unknown)

Most occurring blocks

Most frequent character per block

(unknown)

Interactions

Correlations

Missing values

Sample

Overview

Variables

Common Values

Length

Common Values (Plot)

Most occurring characters

Most occurring categories

Most frequent character per category

(unknown)

Most occurring scripts

Most frequent character per script

(unknown)

Most occurring blocks

Most frequent character per block

(unknown)

Common Values

Length

Common Values (Plot)

Most occurring characters

Most occurring categories

Most frequent character per category

(unknown)

Most occurring scripts

Most frequent character per script

(unknown)

Most occurring blocks

Most frequent character per block

(unknown)

Interactions

Correlations

Missing values

Sample